Best San Francisco, CA SBA Lenders & Rates of 2026

Compare 44 SBA lenders in San Francisco, CA. $76.6M funded across 168 businesses. Average rate 10.57%. Get matched free.

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Best San Francisco, CA SBA Lenders & Rates of 2026

$76.6M
Total Funded

168
Loans Approved

$456K
Avg Loan Size

10.57%
Avg Interest Rate

44
Active Lenders

SBA Loans in San Francisco, CA

San Francisco, CA businesses received $76.6M in SBA 7(a) loan approvals across 168 businesses in 2025. With 44 active SBA lenders competing for business in San Francisco, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in San Francisco is $456K, with rates averaging 10.57%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

San Francisco SBA Loans by Business Type

🚀 Startups
21%
$18.2M • 36 loans

🏢 Existing Businesses
74%
$48.6M • 125 loans

🔄 Acquisitions
4%
$9.8M • 7 loans

Top SBA Lenders in San Francisco, CA (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to San Francisco businesses:

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$7.6M59.25%
2 Newtek Bank, National Association$7.3M1511.03%
3 U.S. Bank, National Association$4.9M1110.67%
4 Commercial Bank of California$4.8M29.63%
5 Northeast Bank$4.4M2610.52%
6 Harvest Small Business Finance, LLC$4.3M29.88%
7 Readycap Lending, LLC$4.1M1411.95%
8 JPMorgan Chase Bank, National Association$3.9M810.71%
9 East West Bank$3.8M68.96%
10 Byline Bank$3.7M210.13%
11 Pathward National Association$2.9M19.75%
12 Bank of America, National Association$2.4M36.71%
13 GBC International Bank$2.0M18.75%
14 The Huntington National Bank$1.5M59.95%
15 Lendistry SBLC, LLC$1.4M712.00%
16 Wells Fargo Bank National Association$1.4M49.35%
17 Zions Bank, A Division of$1.4M58.62%
18 Fortis Bank$1.2M19.50%
19 CalPrivate Bank$1.1M19.00%
20 Cadence Bank$1.1M310.25%
21 CDC Small Business Finance Corp.$1.1M510.55%
22 Grasshopper Bank National Association$1.1M312.00%
23 Monterra Credit Union$1.0M110.50%
24 AMPAC Tri-State CDC, Inc.$765K612.58%
25 Main Street Launch$745K311.58%
26 United Business Bank$700K19.50%
27 City National Bank$680K16.80%
28 BMO Bank National Association$522K17.22%
29 Heritage Bank of Commerce$500K210.25%
30 Truliant FCU$497K110.50%
31 Mission Valley Bank$491K110.25%
32 Celtic Bank Corporation$450K39.92%
33 CenTrust Bank, A Division of SmartBiz Bank National Associat$425K211.75%
34 Redwood CU$388K19.50%
35 First Bank of the Lake$300K213.50%
36 Platinum Bank$294K19.75%
37 BayFirst National Bank$288K212.25%
38 Bank of Hope$270K110.00%
39 Mortgage Capital Development Corporation$250K210.25%
40 First Savings Bank$150K110.25%
41 Columbia Bank$150K312.50%
42 Open Bank$150K110.00%
43 Colony Bank$130K110.50%
44 First Commercial Bank (USA)$60K18.75%

Top Industries in San Francisco

Here are the industries that received the most SBA funding in San Francisco:

SBA Loans in California

San Francisco is part of California‘s SBA lending market. For statewide data and more lender options, see our full California SBA Lenders guide.

🤝 Why Use an SBA Broker in San Francisco?

GoSBA Loans helps San Francisco businesses access the best SBA lenders:

  • Access 44+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in San Francisco
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your San Francisco SBA Loan

Our team has helped hundreds of San Francisco businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in San Francisco? GoSBA Loans is a trusted SBA loan broker serving businesses in San Francisco and across California. Contact our San Francisco SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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